BOK Financial reported FY 2025 net income of USD 577.98 million, or USD 9.17 per diluted share, with return on average assets of 1.12% and return on average shareholders’ equity of 9.89%. Net interest income totaled USD 1.33 billion (+USD 116.59 million) as net interest margin rose to 2.87% from 2.65%, reflecting a funding shift from wholesale borrowings to interest-bearing deposits and improving yields on the available-for-sale securities portfolio. Fees and commissions revenue was USD 800.74 million, broadly consistent with the prior year, as brokerage and trading revenue fell USD 58.35 million while fiduciary and asset management revenue rose USD 26.30 million and transaction card revenue increased USD 8.82 million. Provision for credit losses was USD 2.00 million, with net charge-offs of USD 6.74 million (0.03% of average loans); combined allowance for credit losses ended at USD 327.00 million (1.28% of loans). The company highlighted a USD 23.50 million pre-tax gain on the sale of a merchant banking investment, and gains on available-for-sale securities of USD 1.96 million versus a loss of USD 45.83 million in the prior year tied to portfolio repositioning. For Q4 2025, net income was USD 177.27 million (USD 2.89 per diluted share), with net interest income of USD 345.28 million and net interest margin of 2.98%. Period-end loans were USD 25.65 billion and deposits were USD 39.44 billion, with a 65% loan-to-deposit ratio; assets under management or administration were USD 126.61 billion. BOK Financial repurchased 3,656,259 shares at an average price of USD 105.72 in FY 2025 and paid USD 2.34 in cash dividends per common share. Capital ratios at December 31, 2025 included a common equity Tier 1 ratio of 12.90% and total capital ratio of 14.77%.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. BOK Financial Corporation published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0000875357-26-000013), on February 18, 2026, and is solely responsible for the information contained therein.